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I was rejected again and again, and I finally had to sign up for a card that required me to put down a cash deposit. It turns out that even though I love to shop, I’ve never been tempted to pay credit for something that I can’t pay off in full at the end of the month. I have a pretty passive relationship with my cards.

I use them to pay for everyday purchases and don’t think much about them beyond that.

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That will help ensure that you don’t go into credit card debt, either.

Ahead, Priya and I walk you through everything you need to know about credit cards — the good, the bad, and the confusing.

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You’re using debit cards instead, much for the same reason that I did in college — because credit card debt seems terrifying.